Buy now, pay later services are finally beginning to make their way into Apple Pay as well.
Apple Pay was introduced almost ten years ago to the day, and the company is commemorating the occasion by releasing some of the features that it has been revealing at WWDC. If you have iOS 18 or iPadOS 18 installed on your iPhone or iPad, you will now be able to utilize the payment service on third-party browsers on those devices, as well as on desktop computers. This is a new feature that was also introduced in iOS 18. In the latter scenario, you will be required to use your iPhone or iPad to scan a QR code in order to finish the payment process. Nevertheless, Apple claims that the feature is only accessible in a limited number of markets.
You will find that adding compatible cards to Apple Wallet on your iPhone is going to be simpler than ever before. You can easily provision your phone by tapping an approved NFC-enabled card to the back of your phone, thanks to the Tap to Provision function. However, it is possible that you will be required to manually enter the security code beforehand. However, it should be noted that Tap to Provision is not present in every location.
In Apple Pay, Apple is now beginning to offer purchase now, pay later (BNPL) services that are provided by third-party companies. This begins with the possibility of using Klarna to complete the checkout process in both the United States and the United Kingdom. More installment payment choices will be added in the future by the company. These options will include Citi, Synchrony, and qualified Apple Pay issuers in the United States offered through Fiserv. After some time has passed, Klarna will also be made available as a choice in the Canadian market. Since the beginning of this year, Apple has stopped offering its own Pay Later option.
Those who use Apple Pay in the United States can redeem points on Discover credit cards that are eligible at the checkout counter. It is anticipated that other issuers and countries will provide support for rewards in the near future.